Chart 4. The title is "The Lowest Performing Community Banks Are Adversely Affected by the Lack of Revenue Diversification".

Those banks with the lowest asset diversification show the lowest revenue. Between 1990 and 2003, those banks in the bottom 10th percentile never reached over 4% in net interest margins; the average NIM was 4.64%. Banks in the top 10th percentile had NIMs as high as 5.83% in 1995, with only a slight increase over time to 5.18% in 2003.